금융소비자 보호를 위한 보이스피싱 대응방안 연구

Despite the government’s efforts to eradicate voice phishing damages, crime techniques are gradually evolving, threatening the financial security. To come up with countermeasures in stages, this study focuses on finding the voice phishing patterns in telecommunication, finance, mobile sectors and analyzing the case studies. The result showed that the criminals first deceived victims by making them install malicious apps and intercept phone calls. After, criminals attempt to steal funds and leak personal information. In addition, using the personal information, criminals attempt to draw down loan through non-face-to-face screening. Therefore, to cope with such patterns, this study provides each stage of prevention, response, and damage relief for financial consumers through collaboration with telecommunication, manufacture, and platform operators. The ban on redirection of emergency calls, the launch of protected transfer service, the establishment of one-stop reporting system and activation of voice phishing insurance will be effective measures to protect financial consumers from voice phishing. It is expected that voice phishing, an anti-social crime that threatens people’s livelihood, can be effectively prevented through a step-by-step responsive plan.